Business insurance
Public Liability Insurance
cover for injury to other people and damage to their property, written on conditions that decide whether a claim is paid
Cover for compensation and legal costs when your business injures a member of the public or damages their property, paid per occurrence up to a limit, and written on conditions about how the work is done.
- Injury and damage to people outside the business
- Not compulsory by law, often required by contract
- Hot work and height conditions decide claims
- FCA authorised and regulated
Quick answerPublic liability insurance pays the compensation and legal costs your business owes when someone outside it is injured, or their property is damaged, in connection with your work. UK law does not require it, but licences, contracts and trade schemes very often do. Seven published UK wordings were read for this page, and the cover on all of them turns on conditions rather than the headline limit: how hot work is done, how high and deep you work, whether subcontractors carry their own policy, and whether defence costs sit inside the limit or on top. Tell us your trade, and specialist UK commercial brokers can come back with quotes.
This page is about the public liability policy and its conditions. The cover the law compels, for your own staff, is on our employers’ liability page, and how the two differ has its own side-by-side guide. How much liability cover a business needs overall sits on our commercial combined insurance page, and what a comparison should compare is on the comparison guide. What this page covers is the policy itself: what it pays for, what it never pays for, and the conditions in the wording that decide which of those a claim turns out to be.
The short version
Public Liability Insurance at a Glance
Six things that decide how this cover behaves, before any of the detail.
- People outside the business
- A customer, a passer-by, a client’s premises. Your own staff are employers’ liability, not this
- Not compulsory by statute
- One licensed activity aside, no law requires it. Contracts, licences and trade schemes do
- Paid per occurrence
- The limit applies to each event, or claim from one cause, on every wording read. Pollution pays one total a year; products does on three
- Defence costs: inside or on top
- On top on five wordings read, inside the limit on two. The same limit is a different promise
- Hot work decides claims
- Clearance of 6, 10 or 15 metres and a fire watch or final check at 30 or 60 minutes, depending on the wording
- Subcontractors are two things
- Labour-only counts as your employee on the trades wordings. Bona fide must carry their own policy, and three documents read make you check
The basics
What Is Public Liability Insurance?
Cover for the compensation and legal costs your business is legally liable to pay when someone who does not work for you is injured, or their property is damaged, in connection with your business. Every wording read pays for accidental injury and damage occurring during the period of insurance, up to a limit for each event.
Three things sit inside the phrase, and the seven UK wordings read for this page define each slightly differently.
Who is covered against
Anyone who is not your employee: a customer in your shop, the owner of the house you are working in, a pedestrian by your scaffold. Most wordings read define an employee widely, labour-only included, and those people are employers’ liability instead.
What counts as your business
The trade described on the schedule. Injury or damage has to arise in connection with it, so work you did not declare is work the insurer never priced.
What is paid
Damages you are legally liable for, and the costs of defending the claim. On five wordings read the costs are paid on top of the limit; on two they come out of it.
Occurrence, not claims made. Every wording read responds to injury or damage that happens during the period of insurance, whenever the claim arrives. That is the opposite of professional indemnity, which answers to the policy in force when the claim is made. The policy you held on the day of the accident pays, even years later.
How it works
How Does Public Liability Insurance Work?
You describe the trade, the turnover and the people, the insurer sets a limit and writes conditions onto the schedule, and a claim is paid if the injury or damage fits the description and the conditions were met on the day.
You describe the work, not just the trade
The trade on the schedule, where the work is done, whether any of it is at height, below ground or involves heat, and how many people do it. Two wordings read put a height or depth limit in the base text; the others leave it to the schedule.
The insurer sets the limit and the conditions
A limit for each occurrence, with pollution, and on some wordings products, capped for the year. Then the conditions: hot work precautions, subcontractor checks, a property damage excess. These are what a loss adjuster reads first.
A claim arrives, sometimes years later
Three years from the injury or the date the person knew of it in England, Wales and Northern Ireland, six for property damage; three and five in Scotland. The policy in force when it happened answers.
The conditions are checked against what you did
Whether the blowtorch area was cleared to the distance in the wording, whether the fire watch ran for the time stated, whether your subcontractor’s certificate was on file. On the wordings read, a missed precaution can mean no claim at all.
What you are buying
What Does Public Liability Insurance Cover?
Injury to other people and damage to their property, with the costs of the claim, plus extensions that matter to trades.
| What | Where it stands | What to know |
|---|---|---|
| Injury to a member of the public | The core of the policy | Accidental bodily injury occurring during the period, arising in connection with the business |
| Damage to third-party property | The core of the policy | A client’s floor, a neighbour’s wall, a parked car. An excess applies to property damage on the wordings read |
| Legal defence costs | Included, differently | On top of the limit on five wordings read, inside it on two, and inside it for USA or Canada claims on three |
| Nuisance, trespass and obstruction | Included on every wording read | Named in the insuring clause alongside injury and damage, as denial of access on one |
| Products you supply | Usually a separate section | Injury or damage from something you sold or installed, paid as one total for the year on three wordings read |
| Indemnity to a principal | Included on every wording read | The customer or main contractor is covered as the contract requires, in the base text of all |
| Temporary work abroad | On some | One wording read allows manual work in the EU for up to 180 days. USA and Canada need an endorsement |
The limit is per occurrence, but not for everything. Every wording read pays the limit for each event or claim, with events from one cause treated as one. Pollution pays one total for the whole period instead, and products liability does on three wordings read. How much liability cover a business needs overall is worked through on our commercial combined insurance page.
The boundaries
What Isn’t Covered by Public Liability Insurance?
Your own people, your own work, property in your care, and the advice you charge for. Most of what businesses assume is missing is on a different policy rather than nowhere, and the rest is a condition that was not met.
Your employees
Injury to anyone under a contract of service with you, and on most wordings read anyone labour-only. That is employers’ liability, which is compulsory.
The work itself
Damage to the thing you are working on, or have finished, is excluded on every trades wording read. The floor you tiled is not covered; the carpet beside it is. Contract works cover answers for the job.
Property in your custody or control
Goods you are holding, hire plant, a customer’s car on your forecourt. Excluded on every wording read, with narrow exceptions for leased premises and the site.
Advice, design and specification
A wrong specification, a survey, a certificate, on four wordings where given for a fee. That is professional indemnity, and it stays excluded even where the consequence is a physical injury.
Asbestos, gradual pollution and contract penalties
Asbestos is excluded on most wordings read; one excludes only asbestos costs and fear claims. Pollution is covered only where it is sudden, and on most wordings identifiable and unexpected too. Penalty clauses are never in.
Hot work done outside the conditions
Not an exclusion in name, but the reason trades claims are declined. The clearance distance, the extinguisher and the fire watch are conditions, and a court has treated them as defining what is covered at all.
Two kinds of subcontractor
Who Is Covered, and Who Has to Hold Their Own
Public liability follows the people doing the work, and the wordings read draw one line through them: labour-only is yours, bona fide is not, and the second kind can come with a checking condition.
| The person | Where they stand | What to know |
|---|---|---|
| Directors and employees | Inside the business | Their injuries are employers’ liability; their acts are covered here |
| Labour-only subcontractor | Treated as an employee | Defined as an employee on four wordings read and declared in the wage roll |
| Bona fide subcontractor | Their own policy | Must hold their own public liability; three documents read make checking a condition |
| Principal or main contractor | Indemnified as the contract requires | Named in a principal clause on every wording read |
| Agency and temporary staff | Usually inside | Persons supplied to you are employees on most wordings read |
| Voluntary helpers | Inside on three wordings read | Named in the employee definition on three. Ask on the others |
The bona fide condition is specific. One wording read requires you to have checked, before appointment, that the subcontractor holds current public liability, with the evidence produced at a claim, and stops covering bona fide subcontracting once payments to them pass £50,000 a year or a fifth of turnover, whichever is greater, unless agreed. Another requires a limit of at least £5 million or your own, whichever is lower. A third requires written evidence of a limit not less than yours.
Who it is for
Who Needs Public Liability Insurance?
Any business whose work brings it into contact with other people or their property. The law compels almost nobody; the people who pay, license and accredit you very often do.
Not compulsory, with one statutory exception found. A riding establishment must hold cover: in England a public liability certificate held and displayed under the 2018 animal licensing regulations; elsewhere in Great Britain under the Riding Establishments Act. Otherwise the requirement comes from the contract or the licence: a London borough’s street trading licence requires £5 million; one county council’s standard tender requirement is £10 million a claim, £5 million for lower-risk work and £2 million for near risk-free supply; NICEIC and TrustMark each require at least £2 million.
England and Wales
The duty of care behind the claim
The Occupiers’ Liability Act 1957 requires an occupier to take reasonable care that a visitor is reasonably safe; the 1984 Act extends a narrower duty to non-visitors. Claims must be brought within three years of injury or knowledge, six for property damage. Northern Ireland has its own 1957 Act.
Scotland
Own statute, shorter clock
The Occupiers’ Liability (Scotland) Act 1960 sets the duty. Under the 1973 Prescription and Limitation Act an injury claim has three years, and a property claim five, after which that obligation is extinguished. A UK-wide wording answers in all three jurisdictions.
The scale of it. The Compensation Recovery Unit registered 60,399 public liability cases in 2025/26, against 46,791 employer cases, and HSE’s provisional figure is 104 members of the public killed in work-related accidents that year. Both are why a contract asks for the certificate first.
The comparison people arrive wanting
Public Liability vs Products Liability
They are usually sold together and answer for different moments. Public liability is the work while you do it; products liability is the thing after you have left.
| Public liability | Products liability | |
|---|---|---|
| What triggers it | Injury or damage from your work or premises | Injury or damage from something you sold, supplied or installed |
| When it happens | While the work is going on | After the product has left your hands |
| How the limit works | Per occurrence or claim, on every wording read | One total for the period on three wordings read, per occurrence on the others |
| Typical example | A customer trips on your cable | A boiler you installed floods the flat below a year later |
| The law behind it | Negligence and the Occupiers’ Liability Acts | Negligence and the Consumer Protection Act 1987 |
| Who needs which | Almost every trade and premises | Anyone who supplies, installs or repairs goods |
The comparison with employers’ liability, the one most people arrive wanting, has its own side-by-side guide. The short version: employers’ liability is compulsory and covers your staff; public liability is not compulsory and covers everyone else. A business with both staff and customers is exposed to both.
What moves the number
What Affects Public Liability Insurance Costs?
The trade, the turnover, the limit, how the work is done and the claims record. We print no average premiums and none of the price bands by trade that used to sit here: a roofer and an office consultant are not one risk.
Why the trade description is the rating base
Public liability is priced on what the work can do to other people. Height, heat, depth and public access all sit inside the trade description, which is why one word on the schedule moves the premium and the cover together.
Why turnover comes next
It is the proxy for how much work is done, and on one wording read it caps how much bona fide subcontracting the policy covers.
What the quote is rated on
In roughly this order
- The trade and the workHeight, heat, depth, public accessBase
- Turnover and headcountHow much work, done by whomRate
- The limit and the costs basisPer occurrence; costs inside or on topRate
- SubcontractingLabour-only and bona fide, and the splitRate
- Claims and the excessFive years, and the property damage excess chosenAdjust
Heat, height and depth
Blowtorch, welding and grinding, work at height and excavation are rated separately and, on the wordings read, conditioned or excluded.
How the work is staffed
Employees, labour-only and bona fide subcontractors are rated differently, because they decide whose policy answers.
The limit the contract sets
A council asking for £10 million is asking for a different policy from a scheme asking for £2 million. Bring the contract to the broker.
Where claims are won and lost
The Conditions in the Wording That Decide a Claim
Comparison tables show a limit and a price. The wordings read show something else: conditions about how the work is done, with numbers that differ from insurer to insurer, and a court that has treated them as defining the cover.
Hot work: three distances, two clocks
Combustible material cleared to 6 metres on one wording read, 10 metres on another, 15 metres on a third. A fire watch of at least 30 minutes on one and an hour on another, and a final check half an hour or an hour after finishing on two more. One names the extinguisher: 4kg dry powder or CO2, or 8 litres of water, kept adjacent. One insurer’s broker note says a missed precaution may mean no claim.
The court agreed with the insurer
In 2018 the Commercial Court treated a hot works clause in a roofing contractor’s liability policy as defining the scope of cover, not as a warranty needing a causal link, and permission to appeal was refused. The contractor lost its indemnity for a hotel fire. It is the case an adjuster has in mind when asking how long the watch ran.
Height and depth are on the schedule, not in the brochure
One wording read excludes work above 10 metres and excavation below 3 metres in the base text; another puts a 3 metre depth limit in its contract works section; the others say nothing there, so any limit sits on the schedule. A roofer who reads only the summary can hold a policy that does not reach the roof.
Defence costs and where they sit
On top of the limit on five wordings read, inside it on two, and inside it for claims brought in the USA or Canada on three. A contested injury claim spends heavily on defence before any damages are paid, and on a costs-inclusive wording that comes out of the limit the contract set.
Before you start
What Do You Need for a Public Liability Insurance Quote?
Six things decide the quote: the work as it is actually done, the turnover, the people and how they are engaged, the limit the contract wants, the claims history, and anything hot, high or deep.
What the business actually does
The trade, and the work your people physically carry out, including the occasional parts. Vagueness here produces a quote that changes after you have accepted it.
Turnover and the split of it
Estimated annual turnover for the coming year, and how much of it is paid to bona fide subcontractors. One wording read caps the second figure.
Headcount and engagement type
Employees, labour-only and bona fide subcontractors, agency staff and anyone on work experience. It decides whose policy answers.
The limit the contract or licence demands
Bring the clause. Councils, main contractors and trade schemes set the figure, and on two documents read a bona fide subcontractor’s limit is measured against yours.
Claims and notifications
Five years, insurer by insurer, including incidents notified but not paid.
Anything hot, high or deep
Blowtorch, welding or grinding; work at height and the maximum; excavation and the depth; work near water or on railways. Each is a condition or a schedule entry.
One document is worth reading before you ring. The insurance clause in the contract you are bidding for. It sets the limit, sometimes the costs basis, and often a requirement to indemnify the principal, which every wording read carries in its base text.
Comparing properly
How to Compare Public Liability Insurance Quotes
The limit and the price are the two numbers every comparison shows, and neither decided the claims described on this page. The wording, the schedule and the conditions did.
In the wording
- Whether defence costs sit inside the limit or on top
- The hot work distance, the fire watch time and the extinguisher
- Whether products liability is a separate aggregate
On the schedule
- Any height, depth or hazardous work endorsement
- The trade description, word for word
- The excess on property damage
In the conditions
- What you must check before appointing a bona fide subcontractor
- The notification period for an injury, seven days on one wording
- The territorial limits and whether the USA is excluded
In your own operation
- Whether anyone uses heat, works at height or below ground
- Whether the contract you hold asks for a higher limit
- Whether you supply or install anything that can fail later
The two that catch businesses out are both about how the work is done. A hot work condition nobody on site has read, and a height limit on the schedule that stops short of the job. Neither shows up on a price comparison. What a comparison should measure is on our comparison guide, and the standard terms are in our plain English jargon guide.
Without cutting the cover
How Can You Reduce Public Liability Insurance Costs?
Public liability is priced on the work and the record, so the levers are accuracy and evidence rather than shopping. We publish no savings figures: the percentages that used to sit here were not drawn from our own customers.
Describe the work precisely
A trade description that includes work you do not do is priced for it. One that leaves out work you do is a claim that is not covered. Precision cuts the premium in one case and the risk in the other.
Buy the limit the contract needs
A limit above what any contract or licence demands is cover that will not be called on. Match the largest requirement you hold, and revisit it when the contracts change.
Get the subcontractor split right
Labour-only and bona fide are rated differently. The split in writing, with certificates on file, stops the insurer assuming the dearer one.
Choose the property damage excess deliberately
A higher excess lowers the premium and raises what you pay when a customer’s floor is damaged. Pick a figure the business could pay that month.
Evidence the risk controls
Method statements, hot work permits, training records and a signed-off fire watch. Underwriters discount what you can show; adjusters pay what you can prove.
Buy it inside a package
It is commonly written alongside employers’ liability and tools in a trades or commercial combined policy: one renewal, one set of conditions.
Jargon buster
Public Liability Jargon, Explained
The terms that come up most when you read a public liability schedule.
- Limit of indemnity
- The most the insurer pays for one occurrence or claim, with one cause treated as one. Whether defence costs sit inside it depends on the wording.
- Aggregate
- One total for the whole period rather than per event. Pollution is an aggregate on every wording read; products liability on three.
- Occurrence basis
- The policy in force when the injury or damage happened is the one that pays, whenever the claim is made. Every wording read works this way.
- Costs inclusive
- Defence costs come out of the limit, rather than being paid on top.
- Hot work
- Any use of heat: blowtorch, welding, cutting, grinding. Conditioned on most trades wordings read, with clearance distances and a fire watch.
- Bona fide subcontractor
- A firm with its own people, tools and policy. Not your employee, and on three documents read you must have checked their cover.
- Labour-only subcontractor
- Someone you direct and equip. Treated as your employee on most wordings read, so their injuries are employers’ liability.
- Indemnity to principal
- The clause that covers your customer or main contractor as the contract requires. In the base text of every wording read.
- Custody or control
- Property you are holding, hiring or working on. Excluded on every wording read; contract works and goods cover answer for it.
- Occupiers’ liability
- The duty of care an occupier owes to visitors, under the 1957 Act in England and Wales, the 1960 Act in Scotland and Northern Ireland’s 1957 Act.
Anything not listed here is covered in our plain English jargon guide.
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FAQs
Public Liability Insurance FAQs
Answers on the law, subcontractors, hot work, height, legal costs, products and the limit.
Is public liability insurance a legal requirement in the UK?
Not by general statute. The one statutory case found for this page is riding establishments, which must hold liability cover: in England a public liability certificate held and displayed under the 2018 animal licensing regulations, and elsewhere in Great Britain under the Riding Establishments Act. For everyone else the requirement comes from a contract, a licence or a trade scheme, and a business with customers usually meets one of those before long.
What is the difference between public liability and employers’ liability?
Public liability covers injury to people outside the business and damage to their property, and is not compulsory. Employers’ liability covers injury and illness suffered by your own staff, and is compulsory for almost every employer, under the 1969 Act in Great Britain and Northern Ireland’s own order, for at least £5 million. A business with both staff and customers is exposed to both, and the two are commonly bought together. Our side-by-side guide covers the detail.
Does public liability insurance cover my subcontractors?
It depends which kind. A labour-only subcontractor works under your direction and is treated as your employee on four of the wordings read, so their injuries are employers’ liability and their acts are covered here. A bona fide subcontractor runs their own business and must hold their own public liability, and on three of the documents read you must have checked it before appointing them, with written evidence on some.
What are the hot work conditions on a public liability policy?
They differ by insurer. On the wordings read, combustibles are cleared to 6, 10 or 15 metres; a fire watch runs for 30 minutes on one wording and an hour on another, with a final check half an hour or an hour after finishing on two more; one names a 4kg dry powder or CO2 extinguisher or 8 litres of water. One insurer states a missed precaution may mean no claim, and a court has agreed.
Does public liability cover work at height?
Only up to any limit on the schedule. One wording read excludes work above 10 metres in its base text; the others say nothing in the booklet, so any limit the insurer applies sits on the schedule rather than in the policy. A roofer, a scaffolder or anyone working on a tall building should read the schedule before the job, not after.
Are legal costs included in the limit?
It depends on the wording, and it matters. On five of the wordings read, defence costs are paid on top of the limit. On two they come out of it, and on three they come out of it for claims brought in the USA or Canada. A contested injury claim spends heavily on defence before any compensation is paid, so on a costs-inclusive wording a £5 million limit buys less than it looks.
What does the limit of indemnity mean?
The most the insurer will pay for any one occurrence or claim, with everything from one original cause treated as one, on every wording read. Pollution works differently, paying one total for the whole period of insurance, and products liability does on three wordings read. Contracts and licences set the figure they want, commonly £2 million, £5 million or £10 million, and the contract is where the number should come from.
Is products liability the same as public liability?
No, though they are usually sold together. Public liability answers for injury or damage while the work is going on. Products liability answers for injury or damage caused by something you sold, supplied or installed after it has left your hands, and on three wordings read it is an aggregate, one total for the year. Anyone who installs or repairs goods needs both sections.
Does public liability insurance cover damage to the work I am doing?
No. Damage to the property you are working on, or the work itself, is excluded on every trades wording read, as is property in your custody or control. The floor you tiled is not covered; the carpet next to it is. Contract works cover answers for the job, and goods in transit or tools cover for what you carry.
Does public liability cover professional advice?
No. Advice, design or specification is excluded on every wording read, four of them where it is given for a fee, even where the consequence is a physical injury. That is professional indemnity, and trades that certify or design as well as install, electricians and heating engineers among them, commonly need both.
How long after an accident can someone claim?
In England, Wales and Northern Ireland, three years from the injury or from the date the person knew of it, and six years for property damage. In Scotland, three years for injury, and five for property, after which that obligation is extinguished. Because every wording read works on an occurrence basis, the policy in force on the day of the accident is the one that answers, whenever the claim arrives.
What is an indemnity to principal clause?
A clause that extends the cover to your customer or main contractor, to the extent the contract between you requires it, so that a claim against them arising from your work is handled by your policy. It is in the base text of every wording read. Main contractors and councils commonly require it, so check the contract clause before you quote.
Does public liability insurance cover pollution?
Only sudden pollution. Every wording read covers pollution caused by a sudden incident at a specific time and place, most adding that it must be identifiable and unexpected, and pays it as an aggregate for the year. Gradual pollution and seepage are excluded, and asbestos is excluded on most wordings read. A spilled drum is inside; a leaking tank over months is not.
Can my business work abroad on a UK public liability policy?
Sometimes, briefly. Most wordings read are written for Great Britain, Northern Ireland, the Channel Islands and the Isle of Man; one says the United Kingdom and one leaves the territory to the schedule. One allows temporary manual work in the EU for up to 180 days; claims brought in the USA or Canada are excluded or need an endorsement, and three wordings make defence costs inclusive for them. Tell the insurer before anyone travels.
Do I need public liability insurance to join a trade scheme?
Often. NICEIC Approved Contractor registration requires at least £2 million of public liability, and TrustMark requires at least £2 million. Checkatrade does not make it a condition of joining, but records on the profile where no proof is given. Councils and main contractors set their own figures in the tender, commonly £5 million or £10 million.
What happens if I describe my trade wrongly?
The work you did not declare is work the insurer never priced, and on the wordings read cover applies to injury or damage in connection with the business as described. Leaving out occasional roofing, heat or below-ground work is the common version. Describe the work as it is actually done, including the parts that are rare, and tell the broker when it changes.
Does public liability cover my employees if they are injured?
No. Injury to your own employees, and on most wordings read to labour-only subcontractors and people supplied to you, is excluded from public liability and sits on employers’ liability, which is compulsory for almost every employer in the UK. A business that has both customers and staff needs both, and they are commonly written on one policy.
Does public liability insurance cover my premises?
It covers your liability to visitors on them, which is the duty of care under the Occupiers’ Liability Acts, rather than the premises themselves. A customer who slips on a wet floor is a public liability claim; the flood that made it wet is a property claim on a different section. Damage to your own premises, stock and equipment is never public liability.
Why does this page not show public liability prices?
Because we have no figure that would be true for you. The bands by trade that used to appear here, and the savings percentages beside them, were not drawn from our own customers, and a public liability quote turns on the trade, the turnover, the limit, the subcontracting and the claims record in combinations no average captures. When we have data of our own, with a sample size and a date, it will be here.
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About this page
This page is about the public liability policy and the conditions in it. It is not about the cover the law compels for your own staff, which sits on our employers’ liability page, and it is not a comparison of the two, which has its own guide. It is general information rather than advice. Policies and definitions differ between insurers, so read your own documents and put the questions raised here to your insurer or broker.
How we approached this page
- Seven published UK liability wordings and one policy schedule, for the insuring clauses, limits, exclusions and conditions quoted throughout
- One insurer’s own guidance to brokers on hot work precautions, and a Commercial Court decision on a hot works clause
- gov.uk, legislation.gov.uk and the Association of British Insurers, for what the law does and does not require
- Council procurement and licensing pages, and NICEIC, TrustMark and Checkatrade, for the limits contracts and schemes actually set
- The Compensation Recovery Unit and HSE, for the scale of public liability claims and injuries; the Financial Conduct Authority register, for checking a firm
No premium figures and no savings claims appear here. The money figures on this page are statutory minimums and limits that contracts and schemes require, not prices. The main thing this page corrects is the previous version’s price bands by trade and the savings percentages beside them, none of which came from our own customers.
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